Private Bank Mortgages and Advice
Have special requirements or unique property needs? Find out how we can help you with a private bank mortgage, the types of options we can assist with and more.
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How Can John Charcol Help with Private Bank Mortgages?
If you are a high-net-worth individual looking for a mortgage lender that understands your unique property needs, you may find that a private bank mortgage offers you far more tailored experience than the standard products advertised by high street lenders.
Homebuyers with complex incomes or wealth streams may find their mortgage options restricted if they approach traditional high street lenders, who typically apply a “tick box” approach to assessing whether to grant a mortgage. Private banks consider options on a case-by-case basis, often considering an individual borrower’s ability to fund their mortgage by taking account their wealth in addition to income.
Private bank mortgages are often bespoke to the individual borrower. Finding the right funding partner and negotiating terms and repayment methods can be inherently complex, requiring careful consideration and meticulous execution. Your new property may also be subject to non-standard construction for a mortgage, so it's important to discuss with a specialist broker.
At John Charcol, we have over 45 years of experience helping medium and high-net-worth clients to find the right mortgage at terms which fit their life aspirations, income and wealth. We understand our clients are busy people so we ensure our service is tailored to their sometimes hectic schedules. Learn more about the specialist mortgages we can help with.
John Charcol Expert Tip - January 2025
"Private bank mortgages from John Charcol offer a tailored approach to meet your unique financial needs. Whether investing in high-value property, managing complex income, or pursuing bespoke terms, this exclusive option delivers unmatched flexibility. With mortgage rates expected to ease in 2025, now’s a great time to secure a solution that aligns with your goals. Let us connect you with expert advice and personalised service to make your ambitions a reality this year."
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We Can Help with a Broad Range of Options, Including:
- Larger mortgage loans, up to 80% LTV (loan-to-value)
- Interest-only options
- Private bank mortgages for residential and investment properties
- Options for short term finance (bridging), mortgages for buy-to-let, commercial mortgage, development finance, mortgages for company directors and more.
- Mortgage solutions for complex income arrangements
- Solutions for high-net-worth individuals who require large mortgage loans
- Options with limited or no funds placed under management with the bank
Our network of private bank contacts affords us the luxury of being able to negotiate directly with underwriters at private banks who we know have a proven track record in closing larger mortgage deals for our clients.
We can also help you organise additional services like insurance and conveyancing to get you the best deal. Get quotes below!
Get a Conveyancing Quote
If you're purchasing a property, you'll need a conveyancer. Luckily, John Charcol can refer you to an experienced conveyancer that suits your budget and timeline.
Private Bank vs High Street Lender
Many high street lenders will not have the expertise to process particularly complicated or high-net-worth cases in a timely manner. John Charcol has relationships with a number of specialist private banks that are able to provide a more flexible bespoke perspective on an applicant’s affordability.
Private banks assess each mortgage lending decision on an individual basis, taking into account a potential borrower’s assets and the bigger financial picture. Knowing exactly which lenders to approach with these complex cases is something that John Charcol has been practicing for over 45 years. In this case, experience really does matter.
Property Finance for Expats
In this guide, we’ll take you through everything you should be aware of and prepare yourself for when looking to arrange an expat mortgage or remortgage in the UK.
Mortgage Glossary
On this page you’ll find our detailed mortgage terminology glossary. There’s a lot of jargon out there but we’re here to make it easy.
Mortgage Types
Our guide explains everything you need to know about the different types of mortgages, including: interest rates, features, repayment methods and more.